Core Viewpoint - The implementation of the financing coordination mechanism for small and micro enterprises has shown significant results, with banks providing substantial credit support to these businesses, addressing their long-standing financing difficulties [1][2]. Group 1: Implementation and Results - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, with banks granting new credit of 23.6 trillion yuan and issuing new loans of 17.8 trillion yuan, of which 32.8% are credit loans [1]. - The mechanism aims to facilitate direct and efficient access to bank credit for small and micro enterprises, with a focus on appropriate interest rates [1][2]. - Financial institutions have established specialized teams and innovative products to support the mechanism's implementation, ensuring that credit reaches the grassroots level quickly and conveniently [1][2]. Group 2: Financial Institutions' Initiatives - Financial institutions are actively engaging in the mechanism by forming specialized teams to address the financing needs of small and micro enterprises, ensuring timely and precise connections [2][3]. - Various banks have developed tailored financial products, such as "Inclusive Micro Fast Loans" with a favorable interest rate of 3.3%, and have implemented measures to streamline loan approval processes [4][5]. - The Zhejiang Pinghu Rural Commercial Bank has initiated a "Thousand Enterprises and Ten Thousand Households" outreach program to understand the operational challenges faced by small enterprises and to collect financing needs [3][4]. Group 3: Future Directions and Recommendations - The effectiveness of the mechanism relies on collaboration among government, banks, and enterprises, with a focus on clear objectives and coordinated efforts [6]. - Recommendations include enhancing data sharing across departments, improving the credit system, and increasing financial support policies to lower the cost of inclusive finance [6][7]. - Financial institutions are encouraged to innovate credit products, improve service quality, and enhance information sharing to better meet the financing needs of small and micro enterprises [7].

■本报记者 王爱静 近年来，浙江农商联合银行辖内浙江甬城农商银行（以下简称"甬城农商银行"）聚焦主责主业，做好金 融"五篇大文章"，坚持服务"三农"、服务民营小微、服务实体经济、服务浙江发展，切实走好农商高质 量发展之路，各项业务实现质的有效提升和量的合理增长。截至今年4月底，该行普惠小微贷款余额达 206.7亿元，占比超50%。 在浙江天远生物科技有限公司（以下简称"天远生物科技公司"）的企业展厅内，多种功效的免疫药品整 齐陈列。"有了农商银行的帮助，我们的产品才能顺利进行研发、尽早投产。"该公司负责人黄必胜对 《农村金融时报》记者说。 天远生物科技公司是一家高新技术企业，致力于人体免疫力评估、基因检测及肿瘤早筛试剂盒研发、应 用，以及干细胞、免疫细胞的基础与临床研究。然而，其产品研发周期长、技术投入高，流动资金不足 制约了企业进一步发展。 "在了解到情况后，我行为其量身定制个性化金融产品，采用'不动产抵押+多种信用贷款'的组合担保融 资模式，帮助企业解决发展资金之困。"甬城农商银行洪塘支行副行长黄露露向记者表示。 （编辑 张博） 为擦亮"民营小微伙伴银行"金名片，甬城农商银行创新产品，为企业提供全方位、立 ...